Life Insurance and ADHD
Options for Life Insurance and ADHD: No Exam vs. Traditional Underwriting
Everything we’ve talked about so far on this page has involved traditional underwriting. That’s the most affordable way to go, every time. When the insurance company knows more about you, they can tailor your rate to your specific medical history. Traditional underwriting involves taking a medical exam and agreeing to let the insurer view your medical records.
But if convenience and time are worth more to you, there’s another way: no exam life insurance.
With no exam life insurance and ADHD, all you have to do is fill out an application and a questionnaire. The questionnaire will ask you about your medical history, but you won’t have to take a medical exam. Instead, the life insurance company will use your answers and data gathered from a variety of online databases (that include information like your driving record and prescription drug history). Based on the data they gather, they’ll decide whether to offer you coverage and at what price.
Because they don’t know as much about you, that rate will almost always be higher than the rate you’d get via traditional underwriting. But it’s the fastest and easiest way to get covered, hands-down. It all depends on your budget, schedule, and needs. If you’re looking for life insurance and ADHD coverage right away, no exam policies are a great option to try.
So how do you get no exam life insurance? Right here! You can use our no exam life insurance quoter – or better yet, give us a call and let us know that’s what you’re interested in. In just a few minutes, after asking a few questions about your ADHD and health history, we can match you up with an insurer and policy that meets your needs.
